Green tea leaves from the time that are plucked from garden, carried to the plant, their storage, processing, packing, despatch from the plant to the auction center and thereafter to various places in India and/or export to various countries is covered under the Policy. The cover may be extended to include ‘hail’ damage risks.

Indemnifies the insured the plantation input cost for total loss or death of tea plants/Bush when loss occurs due to insured perils which are fire including forest fire and bush fire, lightning, storm, hail storm, cyclone, typhoon, tempest, hurricane, tornado, impact damage (including wild animal), earthquake, flood and inundation, riot and strike, acts of terrorism, unseasonal rains and frost. Pest and diseases may also be covered with additional premium. The indemnity payable is the sum arrived at after applying the percentage of loss of plants to the amount of cost of inputs at which the insured perils causing the loss of plants operates, subject to franchise and excess or both. Exclusion similar to Plantation Insurance.

Includes insurance against loss through damage or legal liability for damage, to property caused by the use of teams or vehicles other than ships, boats, or railroad rolling stock, whether by accident or collision or by explosion of engine, tank, boiler, pipe, or tire of the vehicle, and insurance against the theft of the whole or part of such vehicle (California Insurance Code, Section 115).